A STRETCH
On $100,000/yr, the typical $377,910 home in Albany, NY needs $113,533/yr ($2,649/mo). Your gap: $-13,533 — housing would be 31.8% of your gross income.
The math
377,910 price − 10% down (37,791) = 340,119 loan
30-yr fixed at 6.69% on 340,119 = 2,192/mo principal+interest
+ 457/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,649/mo PITI ÷ 0.28 = 9,461/mo → 113,533/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Albany, NY?
You need about $113,533/yr for the typical home. That's $13,533 more than $100,000.